PaymentsJournal
No Result
View All Result
SIGN UP
  • Commercial
  • Credit
  • Debit
  • Digital Assets & Crypto
  • Digital Banking
  • Emerging Payments
  • Fraud & Security
  • Merchant
  • Prepaid
PaymentsJournal
  • Commercial
  • Credit
  • Debit
  • Digital Assets & Crypto
  • Digital Banking
  • Emerging Payments
  • Fraud & Security
  • Merchant
  • Prepaid
No Result
View All Result
PaymentsJournal
No Result
View All Result

Agentic AI Is Still Prone to Human-Type Mistakes

By Tom Nawrocki
November 6, 2025
in Analysts Coverage, Emerging Payments
0
0
SHARES
0
VIEWS
Share on FacebookShare on TwitterShare on LinkedIn
mastercard ai

The robot holds a bank card in his hand while sitting near a laptop. AI protection.

As Agentic AI continues to emerge as a force shaping the future of shopping, Microsoft has conducted an experiment to test its effectiveness—running several AI agents through a simulated marketplace. The study found that these agents are susceptible to manipulation and tend to struggle when faced with too many options—much like humans. The results suggest that the technology still has a long way to go before it’s ready for widespread adoption.

Using 100 virtual customers and 300 virtual businesses, the experiment modeled transactions such as ordering food or hiring home improvement services. Each customer had a list of desired items and amenities required for the transaction to be considered satisfactory.

The good news is that both advanced proprietary models and open-source systems outperformed simple baselines, such as randomly selecting or always choosing the cheapest option. GPT-5 was the top-performing agentic model, achieving near-optimal results.

Flummoxed by Complexity

As scenarios grew more complex, Microsoft found that the results became less impressive. Loading the AI agents with more options and search results actually reduced the number of comparisons they made, as the models tended to settle for the first “good enough” option. With the exception of GPT-5 and Gemini-2.5-Flash, the agents ended up contacting only a small fraction of the available businesses. In one case, a model repeatedly reached out to businesses that did not offer the goods or services the customer was seeking.

The AI agents were also vulnerable to manipulation by the very websites they were searching—meaning the same marketing tactics that influence human shoppers also worked on the bots. Microsoft’s conclusion: “Agents should assist, not replace, human decision-making.”

Shoppers Remain Unconvinced

Many have tried or considered using agentic AI, according to Javelin Strategy & Research, but remain unconvinced that it will improve their lives. The Microsoft study suggests AI agents still have significant ground to cover before becoming a natural part of consumers’ routines.

“There’s very strong evidence for consumer interest in using chat like tools to consider purchases,” said Christopher Miller, Javelin’s Lead Analyst in Emerging Payments. “There is some evidence that they would be willing to complete the purchases through their agents, although the raw numbers are very, very small. But if you never decide that ChatGPT is your first stop to get information about stuff, and you continue to go through Google, then this opportunity doesn’t grow to be as big as some people think it will.”

0
SHARES
0
VIEWS
Share on FacebookShare on TwitterShare on LinkedIn
Tags: Agentic AIAgentic CommerceAI AgentsArtificial IntelligenceMicrosoft

    Get the Latest News and Insights Delivered Daily

    Subscribe to the PaymentsJournal Newsletter for exclusive insight and data from Javelin Strategy & Research analysts and industry professionals.

    Must Reads

    tokenization

    Tokenization: From Security Tool to Future-Ready Payments

    March 10, 2026
    SMB banks

    Despite Fintech Encroachment, Banks Can Remain the Go-To for SMBs

    March 9, 2026
    retirement investing

    Young Customers May Not Prioritize Retirement Investing, But Banks Should

    March 6, 2026
    payment fraud

    From Reaction to Prevention: Rethinking Payment Fraud

    March 5, 2026
    first-party-fraud

    Returns, Disputes, and the Rise of First-Party Fraud

    March 4, 2026
    commercial payments

    From Theory to Application: The Impending Transformation of Commercial Payments

    March 3, 2026
    Payments Modernization, ACH payments

    ACH and the Path Toward Future-Ready Payments

    March 2, 2026
    millennial gen z business owner

    Gen Z and Millennials Are Business Owners: Are Banks Ready?

    February 27, 2026

    Linkedin-in X-twitter
    • Commercial
    • Credit
    • Debit
    • Digital Assets & Crypto
    • Digital Banking
    • Commercial
    • Credit
    • Debit
    • Digital Assets & Crypto
    • Digital Banking
    • Emerging Payments
    • Fraud & Security
    • Merchant
    • Prepaid
    • Emerging Payments
    • Fraud & Security
    • Merchant
    • Prepaid
    • About Us
    • Advertise With Us
    • Sign Up for Our Newsletter
    • About Us
    • Advertise With Us
    • Sign Up for Our Newsletter

    ©2026 PaymentsJournal.com |  Terms of Use | Privacy Policy

    • Commercial Payments
    • Credit
    • Debit
    • Digital Assets & Crypto
    • Emerging Payments
    • Fraud & Security
    • Merchant
    • Prepaid
    No Result
    View All Result